Sales Officer LAP

Key Responsibilities

• Achieve assigned targets for sales & regular collection
• Conduct marketing activities (leafleting, canopy) to identify new sources of business
• Handle customer queries, build customer relationships, and develop brand value
• Provide resolutions for customer queries
• Coordinate with Operations & Collection departments for customer onboarding and servicing
• Conduct physical verification of customer's residence, business, and any other asset crucial from a credit point of view, including taking photographs
• Follow instructions from seniors and coordinate with internal teams for visit reports
• Visit customers for first FI and meetings, and accompany seniors to customer places for visits and verification
• Conduct physical verification of credit-related documents (ITR, Bank statement, receipts, ledger, property documents), performing OSV (Original Seen and Verified)
• Prepare basic CAM (Credit Appraisal Memo)
• Conduct customer reference checks from the local market and existing customers
• Follow policies & procedures laid down by the bank
• Portfolio Management: visit delinquent cases, collect EMIs of delinquent cases in collaboration with the collections team
• Maintain and stop early delinquency and non-starter cases in the portfolio, deciding treatment wisely
• Maintain least OTC / PDD pendency and ensure timely clearance
• Maintain non-RPDC portfolio, ensuring all cases are ACH
• Collect fresh bouncing cases' EMIs with charges as per policy
• Correct operational errors and achieve 100% repayment in Non-PDC mode
• Collect fresh data from open marketing activities for tele-calling and self-sourcing
• Follow leads generated from data received from the telemarketing team
• Complete documentation, file agreements, formats, and other formalities for disbursement of cases
• Clear queries from credit, ops, legal, valuation, etc.
• Timely submit daily MIS and sourcing data to the reporting authority

Additional Responsibilities

• Provide true and fair opinions based on customer interaction
• Clarify final ROI, fees, charges, and all other terms of the case
• Do not get involved in any financial/non-financial transaction with the customer
• Maintain decency and good behavior while dealing with customers and visiting properties, especially while taking photos with customer permission
• Conduct customer reference checks with sincerity and maturity, without compromising client goodwill or disclosing financial/personal information

Requirements & Tech Stack

• Digital business apps and software
• Local Area geography familiarity
• Familiarity with Digital applications
• Detailed data collection/recording

Qualifications

• Ownership and accountability for results
• Customer-centric mindset and actions
• Hard work and detail-orientation
• Eager to learn and grow as a banking professional
• Positive mindset, ethical and high integrity
• Bias for Action and Urgency
• Aptitude for lead generation
• Professional Communication: Regional language proficiency, verbal and written fluency, soft-spoken
• Relationship Management: Client-Centric Approach, respectful
• Sales Forecasting & Reporting
• Physical fitness
• Mental agility
• Ability to do extensive field travel/work
• Ability to handle work pressure and demanding clients
• Valid Two-Wheeler Driving License
• Personal 2-wheeler
• Own Smartphone
• Track record of past employment
• Positive reference check and clear civil report

Experience

• Industry: BFSI
• Role: Sales Executive, Sales Officer, Customer Service Executive/Officer, Relationship Executive/Officer

Work Environment

• 90% - Field, 10% - Office
• High travel
• 2-wheeler vehicle required

Compliance Related

• Adherence to Code of Conduct policy of the bank
• Non-disclosure of confidential information about bank and clients
• Responsible handling of bank assets (ID Card, SIM, Marketing material, digital devices, Receipt book, etc.)